Testing the operating line as fully drawn, plus all existing and new proposed term debt, what is Spread the Joy Organis' $20$X$1$ funded debt$-$to$-$EBITDA ratio? Use the financial analysis worksheet provided to answer this question.

$3\mathrm{.}50$

$4\mathrm{.}05$

$4\mathrm{.}50$

$4\mathrm{.}84$